Retirement plan

DOLPHIN BAY HOTEL & RESIDENCE 401K PROFIT SHARING PLAN

Name: DOLPHIN BAY HOTEL RESIDENCE - DOLPHIN BAY HOTEL & RESIDENCE 401K PROFIT SHARING PLAN (2025) Form 5500
Creator: DOLPHIN BAY HOTEL RESIDENCE
License: https://www.dol.gov/general/disclaim
Keywords: Form 5500, ERISA, retirement plan, DOLPHIN BAY HOTEL & RESIDENCE 401K PROFIT SHARING PLAN, DOLPHIN BAY HOTEL RESIDENCE

DOLPHIN BAY HOTEL RESIDENCEEIN 20-3235264Plan #001PY 2025

2727 SHELL BEACH ROAD - PISMO BEACH, CA 93449805-709-7615LinkedIn201-500 employeeshospitality

Prospect flagsLow fidelity bond

How to read this page

Total assets (EOY)

$1.4M

+22.0% from 2024

Total participants

181

+0.6% from 2024

Average account balance

$9,906

+27.9% from 2024

Annual return

14.96%

+4.30 pp from 2024

Benchmarks

See 930 peers

Peer group

Industry72 - Accommodation and Food Services

Plan typeDefined contribution

Participants100-249

Cohort930 peers

Snapshot2025

Free accounts unlock saves, downloads, and 3-year history.

Analytics

Total assets (EOY)

Plan-year ending balance

$1.43M

Not enough data

1 years with asset history on file

Average account balance

Total assets / participants with a balance (line 6g)

$10K

Not enough data

1 years with per-participant data

Participants with account balance

Stacked by status: active / separated vested / retired or beneficiary. Total = line 6g.

144

Not enough data

1 years with headcount on file

Eligible Participants and Participation

Bars: eligible actives (line 6a). Line: derived rate = active employees with a balance / 6a.

74.3%

Not enough data

1 years with eligibility data

Contributions (total)

Employer and participant dollars contributed each year

$259K

Not enough data

1 years with contributions on file

Contributions per participant

Average employer and participant contribution per enrolled participant

$2K

Not enough data

1 years with per-participant contribution data

Asset flow

BOY + contributions + return - distributions = EOY

Year

Annual return

Diverging bars; negative years highlighted

+14.96%

Not enough data

1 years with return on file

Admin fee / account holder

Total admin expenses / participants with a balance (line 6g)

$22

Not enough data

1 years with admin cost on file

Asset composition

Cash / stocks / bonds / mutual funds / real estate / loans over time

Not enough data

1 years with F_SCH_H allocation on file

Free accounts unlock saves, downloads, and 3-year history.

Service providers

Top 3 by compensation

Provider	Service type	Compensation
ADP BROKER-DEALER6 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745	Recordkeeping	$3,238
ADP BROKER-DEALER11+ years Service code 49 · EIN 22-3319984	Other Services	$0
MORRISS AND GARRITANO5 years Service code 49 1122 LAUREL LANE · OBISPO, CA 93401	Other Services	$0

Plan features & details

Pension benefit codes2E2F2G2J2S2T3D

Plan features

2E
Profit-sharing
Profit-sharing plan.
2F
ERISA section 404(c) plan
This plan or any part of it is intended to meet the conditions of 29 CFR 2550.404c-1 (shifting investment responsibility to participants).
2G
Total participant-directed account plan
Participants have the opportunity to direct the investment of all of the assets allocated to their individual accounts regardless of whether 29 CFR 2550.404c-1 is intended to be met.
2J
Code section 401(k) feature
Cash or deferred arrangement described in Code section 401(k) that is part of a qualified defined contribution plan under which employees may elect to defer part of their compensation or receive these amounts in cash.
2S
Automatic enrollment
Plan provides for automatic enrollment in plan that has elective contributions deducted from payroll.
2T
Default investment account
Total or partial participant-directed account plan where plan uses a default investment account for participants who fail to direct assets in their account.
3D
Pre-approved pension plan
A master prototype or volume submitter plan that is the subject of a favorable opinion or advisory letter from the IRS.

Opportunity flags

1 tripped

ComplianceLow fidelity bond
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).

Expense breakdown

Schedule H Part II

Admin total

$3K

$22 / participant

Recordkeeping$3K100.0%

% of EOY assets

0.227%

all-in expense ratio

Categories reported

1 / 9

subdivided buckets used

Audit opinion

Schedule H Part III

Unqualified opinion

Auditor signed off without reservation - the cleanest possible opinion.

Auditor firm: CARON & BLETZER PLLC
Auditor EIN: 043499945
Audit fees: (not subdivided)
Opinion code: Unqualified

Metric

This plan

Peer set

Industry

Size

Avg account balance

$9,906

$29,051-65.9%

$52,425-81.1%

$67,986-85.4%

Participation rate

74.3%

30.4%+43.9pp

55.6%+18.7pp

57.2%+17.1pp

Annual return

14.96%

24.00%-9.0pp

302.12%-287.2pp

31.67%-16.7pp

Employer contribution / active EE

$412-100.0%

$914-100.0%

$2,019-100.0%

Participant deferral / active EE

$1,800

$873+106.2%

$1,790+0.5%

$3,358-46.4%

Admin fee / account holder

$22

$2,113-98.9%

$2,495-99.1%

$3,203-99.3%

Provider

Service type

Compensation

ADP BROKER-DEALER6 years

Filed as: ADP, INC.

Service code 15 · EIN 13-3036745

Recordkeeping

$3,238

ADP BROKER-DEALER11+ years

Service code 49 · EIN 22-3319984

Other Services

MORRISS AND GARRITANO5 years

Service code 49

1122 LAUREL LANE · OBISPO, CA 93401

Other Services

DOLPHIN BAY HOTEL & RESIDENCE 401K PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

DOLPHIN BAY HOTEL & RESIDENCE 401K PROFIT SHARING PLAN

Summary metrics

Benchmarksi

Analytics

Service providersi

Plan features & details

Opportunity flagsi

Expense breakdowni

Audit opinioni

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion

Benchmarks

Service providers

Opportunity flags

Expense breakdown

Audit opinion